About us

A non-profit organization created in 1971 by leading banks and insurance companies, Efma is celebrating this year its 50th anniversary. 
Created by a handful of institutions and counting now a network of 120 financial groups in 133 countries all around the world, Efma is showcasing its resilience in the face of adversity and its essential role in supporting its members to thrive.  
Our purpose is to support our members and create a strong community based on expertise and skills. Our mission is to provide community intelligence to optimize, innovate and transform by recognizing our members’ best practices and connecting them.


Jean-Marc Pailhol joined Allianz in 2009 as Head of Distribution and a board member of Allianz France. He has led the tied agents, brokers and salary sales force networks to optimize their efficiency and productivity selling all lines of business for six years. He has deeply transformed the distribution organization and directly contributed to improving the performance of the company in terms of client portfolio, GWP growth, and COR improvement to take Allianz France from 350 million OP in 2010 to 1 billion in 2016.

He took the position of Head of Group market management in 2016 in charge of Allianz Brand awareness and reputation, marketing partnerships, customer experience, and sales methodology. In 2019, 74 % of the Allianz OES were above the market on the NPS measurement instead of 47% in 2016. At the same time, the Allianz Brand moved up seven spots in the Interbrand ranking to become the leader in the insurance industry in 43rd position overall in 2019. Jean-Marc also negotiated and signed the IOC partnership to make Allianz one of the 14 Top partners of the Olympic and Paralympic movement. Since January 2020, he has been Head of Global Strategic Partnerships and a board member of Allianz Partners.

Before joining Allianz, Jean-Marc Pailhol spent 21 years in the banking sector at board level working for several French Groups on business development, marketing, and audit. In 2004, he led the work on creating the Postal Bank in France as Head of Banking activities for the French Postal Group.


John is a former Retail CEO at Abbey National (now part of Santander) in the UK. During his time there, roles included Marketing Director, European Director (Managing businesses in France, Spain and Italy), Transformation Director as well as Senior Distribution roles. He received international recognition for customer centric innovations such as Costa Coffee and Branch Franchising. In recent years he has developed a global reputation through his own business within the industry for work in consulting and training with retail banks worldwide His relationship with Efma goes back some 25 years ranging from speaker to more recently as a Senior Advisor.

Our Efma Board

Maurício Machado de Minas
Maurício Machado de Minas Banco Bradesco - Member of the Board and Executive Vice President
Frédéric Chenot
Frédéric Chenot Natixis - Head of Business Line BPCE Networks
Andrea Lecce
Andrea Lecce Intesa Sanpaolo - Executive Director Sales & Marketing Retail - Retail & SME Banking Division
Dominic Larivée
Dominic Larivée Desjardins - Senior Director of the Marketing Integration and Administration Department
Dato' John Chong
Dato' John Chong Maybank - Group Chief Executive Officer, Community Financial Services
Stefano Bison
Stefano Bison Assicurazioni Generali - Group Head of Business Development & Innovation
Khomotso Molabe
Khomotso Molabe Standard Bank - Chief Information Officer, Personal and Business Banking
Frank Desvignes
Frank Desvignes Axa - Global Head of Open Innovation AXA Next
Rike Poppe
Rike Poppe Erste Group Bank - Group Retail Strategy
Sophie Heller
Sophie Heller BNP Paribas - Chief Operating Officer - Retail Banking & Services
Pedro Sousa Cardoso
Pedro Sousa Cardoso Emirates NBD - Chief Digital Officer - Retail Banking and Wealth Management
Barbara Tamburini
Barbara Tamburini UniCredit - Head of Individuals Italy
Jean-Marc Pailhol
Jean-Marc Pailhol Allianz - Allianz Partners Board member & GSP Chief Officer
Omar Bounjou
Omar Bounjou Attijariwafa Bank - General Manager
Daniela Vitolo
Daniela Vitolo Associazione Bancaria Italiana - Expert and Senior marketing analyst
Tamara van den Ban
Tamara van den Ban Standard Chartered Bank - Global Head Client Solutions, Personal Banking
Nimish PANCHMATIA DBS Bank - Chief Data and Transformation Officer

Who are the Efma members ?

International contacts

Patrick Desmarès
Patrick Desmarès France and Canada
Eylem Ozen Basturk
Eylem Ozen Basturk Southern and Eastern Europe
Fahim uz Zaman
Fahim uz Zaman Middle East and Africa
Carlo Giugovaz
Carlo Giugovaz Italy and Switzerland
Lubomir Olach
Lubomir Olach Central and Eastern Europe
Silvia Cunill Calvet
Silvia Cunill Calvet Iberia and Latin America
Michael Grover
Michael Grover Mecong Region
Austin Sweeney
Austin Sweeney United Kingdom, Ireland and Nordics
Titien Ahmad
Titien Ahmad Southeast Asia
KyongSun Kong
KyongSun Kong Japan and Korea

Send us a message

Our Headquarters

10 Boulevard Haussmann 75009 Paris France Tel. +33 1 47 42 52 72 Fax: +33 1 47 42 56 76